DOVER, Del. (AP/WBOC)- The Delaware Department of Insurance says residents are confused by a new Medicare tool that is concealing the total cost of coverage.           

Commissioner Trinidad Navarro released a “ rare consumer alert ” after the department received complaints about Medicare's Prescription Plan Finder.           

The tool is supposed to help find and compare Medicare coverage options, but Navarro said the tool focuses on premium costs that “deflect focus from higher personal costs.”           

The tool also shows plans that don’t cover certain medications if residents enter multiple prescriptions.           

Navarro said the tool organizes options by lowest premium cost instead of lowest annual costs.        

“Residents using this tool should carefully consider costs in a holistic way to ensure they are getting the best coverage and best price. The plan with the lowest premium may not always be the plan with the lowest total costs,” Navarro said. “If you, a family member, or a loved one are enrolled or enrolling in Medicare, I urge you to take your time on the tool and make sure all your plan questions are answered before making your final selections.” 

Navarro said congressional members were contacted to discuss a solution.